Saturday, April 14, 2018

Danger! Danger! A Solar Storm is About to Strike!

Written by Guest Contributor on The Prepper Journal.

Editors Note: Another guest contribution from John D. to The Prepper Journal. As always, if you have information for Preppers that you would like to share and be entered into the Prepper Writing Contest with a chance to win one of three Amazon Gift Cards  with the top prize being a $300 card to purchase your own prepping supplies, then enter today!From:  John D.

News reports of 11-April-2018 warned that a solar storm could strike Earth this week. It went on to say that this such storms are more disruptive now than in the past because of our greater dependence on technical systems that can be affected by electrical currents and energetic particles high in the Earth’s magnetosphere. While this one is expected to be a minor storm, with only minimal negative effects on the surface of the earth, the comments on that news article were quite interesting. Most of the comments were jokes and ridicule. Some were quite clever. Many comments were of a political nature, and Al Gore’s name was mentioned more than once.

The jokes and ridicule are understandable. This is not our first solar storm. We’ve lived through all of them, and you’ll be hard pressed to find anyone who’s experienced even the slightest of negative consequences. Not just that, but we know what to expect from the media. If they don’t stir up emotions, they don’t sell stories. We expect exaggeration, and the media seem oblivious to the much deserved ridicule they receive. On the other hand, could this be like the story of the boy who cried wolf? If, and when, we hear about a destructive solar storm headed for earth, will we take it seriously? Probably not. Some preppers are wise enough to take it seriously, and take the appropriate precautions, but the vast majority of people will not.

I might be as skeptical as anyone else, except for several accounts of actual solar storm-related destruction. In 1982, a massive solar flare disrupted communications and set off fires in Chicago. On March 10, 1989 a geomagnetic superstorm affected satellites in orbit, and shut down power grids in North America and northern Europe. Six million people in northeastern Canada were without power because of damage to Quebec’s power grid. A more powerful solar storm struck the earth in 1859, causing telegraph wires to burst into flames, and shocking operators. These are just a few of the many incidents that have occurred over the years.

If I needed more incentive to prepare for an extended grid power outage, I might get it from the contents of a 2008 congressional report concerning the possible effects of an Electromagnetic Pulse (EMP). An EMP could be the result from a solar storm, or it could come from a weapon. Enemies of the United States are known to be working on such weapons, and may already have them. The EMP Commission determined that the U.S. as a society today is not structured, nor does it have the means, to provide for the needs of nearly 300 million Americans without electricity. It goes on to say that casualties resulting from a long term power outage could exceed 60% of the population.

Today, due to our ever-increasing dependence upon very sensitive electronic components, a moderate to strong solar flare would cause massive damage and widespread power outages. It would take years to fully recover. It has been estimated that a solar storm as strong as the 1859 storm occurs only once in 100 years. If that’s true, then we’re long overdue.

Of those who commented on the April 11th news story, some say they don’t care if the power grid goes down. Surely they haven’t thought that through. The immediate aftermath would see people breaking out their candles and flashlights, and calmly making dinner on propane and charcoal grills. Most wouldn’t know what happened, and would expect power to be restored after a few hours. Day two would have some people concerned, and a lack of information would be unsettling. Those with generators will try to buy gasoline, but will find that gas stations can’t pump gas when the power grid is down. Refrigerated food begins to spoil, and store shelves empty quickly. Looting will be common as people become more desperate. Everyone will have serious concerns about their safety within a few days, especially those in the heart of big cities. Too many people, and too few resources, will lead to serious problems. Some will try to escape, if they happen to have cars that run. Cars have an abundance of sensitive electronic components in them, most of which will be damaged by a strong solar flare. Those who do escape will find that the road is a dangerous place to be, and it’s unlikely that things will be any better at their destination. There will be no rule of law, because police officers will have gone home to take care of their own families.

Could this scenario become a reality? Have you prepared for it? Stockpiling food, water, flashlight batteries, and candles is not enough. It has been estimated that the damage from a solar storm could take years to repair. Will your supplies last that long? Can you fight off starving hordes of people who’ve stopped asking politely for food? Do you know how to grow, catch, trap, or raise food? Can you preserve food, and make it through the lean times? Can you stay warm and dry?

If you’ve answered no or maybe to any of those questions, you already know what your deficiencies are. Can you remedy those before the next big solar flare? It’s not a matter of “if” it will happen, but “when” it will happen. The good news is that astronomers can now forecast solar storms. The release of charged particles take 18 to 36 hours to reach earth, allowing time to take the necessary precautions. Precautions include unplugging devices when not in use, not just turning them off. A Faraday cage provides the highest level of protection. Use one or more of them when it’s practical to do so. Test your Faraday cage, so you’ll know if it will work when you need it to. And remember, while a solar storm may come with an advance warning, an EMP weapon may be triggered with no advance warning. If you get into the habit of protecting sensitive devices before the next solar storm, your sensitive devices will probably be protected when they need to be.

https://www.scientificamerican.com/article/geomagnetic-storm-march-13-1989-extreme-space-weather/

https://www.space.com/7224-150-years-worst-solar-storm.html

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Friday, April 13, 2018

Writing of master’s work opens the best way to a effective job all over the world

Writing of master’s work opens the best way to a effective job all over the world

The path to master’s degree means that a graduate can have a fabulous perspective in choosing a profession in any country after a bachelor degree. Needless to say, many want to achieve results that are good. And since the scholastic master’s level opens many opportunities for a fruitful job, then, needless to say, your competitors for admission into the magistracy is very severe, not every person may be lucky to review totally free. Plus the certification associated with the master must certanly be protected. How can you fully grasp this title that is honorary?

The essential difference between master’s work along with other works that are relevant

Preparation prepares separate scientific focus on those materials which can be appropriate for a certain field of science. One of many main tasks is to show the writer’s capacity to search separately. It varies through the bachelor’s curriculum in that the problem is worked out more carefully, is evaluated by such criteria:

  • – exactly how high may be the standard of theoretical and research development of the subject;
  • – just how precisely the study methodology was opted for and just how well it had been conducted;
  • – completeness of disclosure regarding the topic that is sounded
  • – what applied value are for technology.

So that the bachelor’s and master’s levels would be the main qualification regarding the students on most universities, and eventually the graduate associated with the magistracy will have to defend the master’s thesis. As well as the undeniable fact that this tasks are highly complex and involves the processing of a lot of information, it should be original (even yet in the option of subject), medical novelty or topicality (mandatory), as well as program (after protection, the thesis is frequently set into the basis of more in-depth research). Doing the master’s systematic work supplies a time that is tremendous work. In contrast to her diploma work shall seem quite easy.

To order the extensive scientific studies are to resolve the issue of that time spell

But, considering that the master’s degree is the identical 2nd education, and never all people in this era just research, in addition they work, it becomes clear – not everybody gets the chance to devote plenty time for it to systematic work, as needed. Therefore, the desire and prerequisite to get a master’s thesis is justified. Of course, you can get a ready-made work, but the majority likely you’ll need an authentic study of a certain dilemma of the medical field, and so the solution that is best will likely to be just – a master’s thesis to purchase. The agency for composing works for a purchase can be an solution that is effective your dilemmas, because highly qualified specialists operate in our staff, their specialization may be the writing of dissertations. For quite a while we now have been re solving the nagging dilemmas of graduates of the magistracy associated with the writing of these works.

What direction to go if the defense time just around the corner and there is no time?

Then contact professionals who will solve this problem in a short time if there is very little time to defend the dissertational scientific research, and the work has not been written yet, or, perhaps, you started it, but did not finish writing it out for some reason. Needless to say, it is advisable if you perform the application form at least one thirty days prior to the due date, because such work is maybe not carried out in a rush. But, in every instance, in the eventuality of even a crisis situation, the agency should be able to supply you with qualified help. The agency shall be thrilled to assist you to compose a master’s degree and acquire a master’s qualification, please contact! Make a purchase is EliteEssayWriters™ a tremendously way that is simple. More frequently, with this you ought to create a purchase on the webpage, indicating your requirements for writing. You’re going to be contacted by the supervisor, that will specify the terms of execution, together with complexity regarding the ongoing work, as well as the requirements because of it. You will think, having formerly visited your supervisor, exactly what goals and tasks to create the work ahead of the performer to put, and then he by having an guarantee that is absolute of will perform the solution of preparing a master’s thesis to your account, based on all of the needs of one’s manager.



from Patriot Prepper
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Cold vs. Flu? Do You Know the Difference?

Everyone gets sick occasionally. And sickness won’t stop when the SHTF. In fact, with limited access to medical care and medicine, illness can spread rapidly.

from Survivopedia
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Bags for Survival

Written by John Hertig on The Prepper Journal.

Editors Note: Another guest contribution from John Hertig to The Prepper Journal. As always, if you have information for Preppers that you would like to share and be entered into the Prepper Writing Contest with a chance to win one of three Amazon Gift Cards  with the top prize being a $300 card to purchase your own prepping supplies, then enter today!

It seems that everybody (or nearly everybody) has heard of the “BOB” or “Bug Out Bag“.  Some may have heard of other “bags” and concluded they are all the same.  They are similar, but not the same.  The “bags” we will consider are:

EDC – Every Day Carry

GHB – Get Home Bag

GOOD – Get Out of Dodge bag

BOB – Bug Out Bag

INCH – I’m Never Coming Home bag

and

Survival Kit

The Rule of Threes

Whenever thinking about survival, it is good to keep the “Rule of Threes” in mind.  This is a set of guideline about what can kill you fastest, and provides a guide for the priority of survival equipment and tasks.  Simply stated, this is:

In any extreme situation, a person usually cannot survive for more than:

– 3 minutes without air (or blood circulation or with arterial bleeding)

– 3 hours without shelter

– 3 days without water (or treatment for some medical conditions)

– 3 weeks without food

Note that lack of food will kill you just as dead as lack of air; it just takes longer.  That does not mean that considering food in your survival planning or tasks should not be done, just that it should not be done first.  Also, this is not a guarantee.  Depending on conditions, these problems could kill you sooner, or even later.  Again, this is merely a guide to priorities to be used in choosing equipment and supplies in advance of need, and scheduling tasks in an emergency situation.

Note that “darkness” is not on the list as a killer, but it kind of should be.  Not because darkness itself can harm you, but not being able to see what you are doing or where you are walking can kill or harm you.  A source of light should be high in every list of survival supplies.

Survival Kits

These are designed for PERSONAL emergencies, not major disasters affecting a large number of people.  As such, they should have a significant focus on signaling for help.  With good signaling capability, usually this situation will only last for a day or two, so your primary focus is on severe bleeding and shelter, with water and other medical supplies secondary.  Food should be a distant third priority.

A survival kit can fit in your pocket if there is very little chance you’ll need it (around town), in a belt pack if you are close to civilization, or in your backpack when you are really heading into the wilds.  In addition to light and signaling, it should include something which can be used to stop severe bleeding, and a way (better is a couple of ways) to start a fire and a basic sewing kit.  As space permits, add a “space blanket” or even better “bivy”, other materials to aid in building shelter from the elements, and then water purification tablets and a container to use them in, or a container in which to boil water.  And so on, until the likely scenarios are covered, or you reach your size goals.

Every Day Carry

This is what you “Carry” on your person “Every Day”, or at least whenever you leave your house.  It is not so much a “survival kit”‘ as a “life kit” with survival applications.  For more details, see the article on EDC.

Get Home Bag

If you are at work or shopping or otherwise not at home when disaster strikes, everyone in your family should have getting home as a priority.  That is where your primary preparations, or your means of getting to your primary preparations are located.  It is also a place where your loved ones are or can be.  You may be able to get in your car and drive home, but don’t bet your life or your family’s lives on that.  The car might not work, or the roads may be jammed or the bridge might be out.  You may need to “hoof it” home, and if you are not dressed or equipped for that trek, your odds of succeeding will be lower.

In the car is a good place for your GHB.  This will contain or be with the clothing and shoes you need to walk home in the most severe conditions likely, as well as PPG (Personal Protection Gear – air filtration mask, goggles, gloves and weather specific gear), an appropriate survival kit, and to the degree practical, defensive weaponry.  The survival kit need not be heavy on signaling gear, as in a wide-spread emergency, the odds of getting help are lower then usual, and the odds of attracting predators is increased.  A key aspect of your GHB is “knowledge” – knowing several routes home from wherever you happen to be, knowing which areas to avoid (gang territory, nuclear or chemical plants, flood or fire hazards and so on) and likely “choke points” where the disaster or human action can cut off or restrict travel.

Bug Out Bag

A lot of people talk about “bugging out” if there is a disaster.  And the bag of equipment and supplies they plan to take with them is called a BOB.  The problem is that many of these people don’t know the actual definition of “bugging out”.  It was originally a military term describing what happens when a position is in danger of being overrun by the enemy.  The personnel at the position are moved from there to another position which is currently safe(r).  The key here, is not the “leaving” but the having a safer destination.  Thus a “true” BOB is designed to specifically get you from where you are bugging out from, to where you are bugging out to. You may be able to do it by vehicle, in which case you can carry a lot more stuff.  In case you can’t go by vehicle or your vehicular movement is permanently interrupted, you should have an actual BOB, usually a backpack, which you can carry as you walk to your bug out location.  Ideally, you have supplies at that location, or you can carry them in the vehicle as long as you can and hopefully not have to abandon them.  If you are limited to a BOB, you won’t be able to carry long term supplies for your new location.

Unlike a survival kit, where you tend to stay put and wait for rescue, when bugging out, you will be on the move.  You’ll need lots of energy, so food is rather more important.  “Life boat rations” or energy bars are compact, or freeze-dried meals can be tasty and light but need cooking (water boiling) capability.  Of course, you still need first aid supplies, weather appropriate clothing and the capability of making shelter when you are not moving.  And water and the capability to get more.  Probably some defensive capability is in order.  Depending on the distance you need to go, you may not be able to carry enough stuff to get there, in which case you might need the capability to scavenge abandoned supplies.  See the article on scavenging. Another option is to set up “caches” of supplies along the way.

Unless you have a stocked location to bug out to, bugging out is not a good scenario, bordering on “fleeing”.

Get Out of Dodge Bag

This is something I came up with, or perhaps saw somewhere in the past.  No matter the source, this GOOD bag is what many people really mean when they talk about BOBs.  This is what I call a bag which is designed to make “fleeing” less of a disaster.  You don’t have a place to go to, but where you are is too dangerous to stay there, so you leave and search for a safer place.  Perhaps outside the disaster area, or a cave or some place which can provide you with shelter, water and food, and some isolation from predators.  As such, the contents are oriented towards short term movement, self defense and long-term acquisition of water and food from likely areas.  It’s a BOB without a designed schedule or destination.

I’m Never Coming Home Bag

I’ve heard of these, but can’t really understand why a person would have as a primary goal, never coming home.  Unless they were trying to avoid capture by people (the government perhaps) who knew where they lived and have the resources to wait there for them for a really long time.  In every case I can conceive of, I would hope that coming home eventually would be a possibility, unless there was a high probability that home wouldn’t be there.  Basically, I’d consider it a “minimal move”, so I would concentrate on what I needed short term, and what I could not replace long term.

How Many Bags Do I Need?

Ideally, since all of these bags (should) have different goals, you would have all of them available.  You leave the house, you have your EDC.  You step away from the pavement, you have a survival kit.  Something happens while you are away from home, you have your GHB.  And if you have to leave your home, you have either a GOOD bag or BOB depending on whether you have a location to go to.  If you are running from the mob or the law, or your house is about to be destroyed, you have your INCH bag.

The problem is, there is a high degree of commonality among these, and most people can’t afford the cost of all of these, or the space to store them, or the effort to keep them stocked with fresh items.  So lets consider how to minimize those factors.  One key is modularity.  If you have the items for each facet of your bags packaged separately, you can quickly assemble the needed bag.  It is best that your GHB stays in your vehicle, completely separate from your other bags.

First of all, EDC is a no-brainer.  Unless you spend all day on the couch in your underwear, you already HAVE an EDC kit of some sort.  The trick is to optimize it, not only for your life, but for emergencies.  Next you will want a decent survival kit which will fit into any of the other bags.  Because of how basic this is to all the bags and how much trouble it would be to move it around a lot, you might want to have at least two of these, one in your GHB in the car, and one or more in the house to go into whichever other bag it is needed for.  It is most convenient if these are identical; and since signaling is not a need in any but a personal survival event, you can save money by having a separate signaling module to add for non-disaster survival scenarios.  There is no reason to have both a GOOD bag and a BOB, since they have different, mutually exclusive goals, but having the appropriate one is critical, since no matter where you are, no matter what happens, you cannot guarantee that you can stay in your home.  Nature and/or man is entirely capable of making it unlivable.  Personally, I do not bother with an INCH bag, but I do have critical stuff in my BOB just in case my home is destroyed or stripped.

Don’t forget, each of these bags is for one person or possibly one person with a small child.  Each person in your group should have as similar a setup as they can carry.  If some members of your party are significantly less able to bear a load than others, you’ll have to “spread the load”, with the people who can carry more, carrying more.  Just make sure each person has enough to get by with in case they get separated from the group.  Make sure each person (this includes you) knows how to use the stuff they are carrying.

Choosing Your Bags

There are three components of any bag.  These are the bag itself, the contents of the bag, and the knowledge and experience to use the contents of the bag.

When choosing a bag, you need to consider size, weight, durability and long term comfort.  And there is another concern.  Keep in mind that YOU have made the effort to be prepared for this disaster, but a large percentage of the people around you have not.  And some of them are eager to, and some of them feel forced to, take advantage of your preparations for their profit or their family’s needs.  Thus, you want to remain as unnoticeable as possible, having a “gray man” persona.  Any pack you choose should have dull, unobtrusive colors, with no obvious brand name marks or designs.  For in-town use, you want to use packs like “everybody else” uses, and for bigger bags for out of town travel, ones which look “distressed” (dirty, duct tape “patches”).  Camouflage and black are “dull” colors, but they, as well as military style or “tacticool” packs, tend to bring to mind “government” or military, and everybody knows those guys are loaded with cool stuff.  Obviously, don’t have anything desirable or attractive hanging on the outside.  You don’t want to be noticed, and if you are noticed, you don’t want to be an (or the most) attractive target, and if you are a target, you don’t want to appear to be worth much effort.

Wrong!

There are two paths to follow:  you can find a pack you like and then put into it what you can, or you can figure out what you will carry, and then choose a bag which will hold it.  Either path will force you to make compromises.  I prefer to compromise on the bag rather than the contents.  In the case of a GHB or BOB you should have a good idea how long the trek is likely to take, and this allows a decent guess at what items and how many of each should be included.  All size estimates need to be accompanied by weight estimates.

When choosing a bag, size is the first concern, and that is determined by how much stuff you need to put into the bag.  Packs often are rated in “liters” which for the metrically challenged can be estimated by dividing them by four to approximate “gallons”.  If you have a guess at the size you will need, it is best to choose a pack which is a bit bigger, because you can put nine gallons into a ten-gallon container, but you can’t put eleven gallons into that container.  However, the bigger the bag, the more stuff you will be tempted to put into it, and the more it will weigh.  Be prepared to lower your size estimate if your weight estimate gets to be too high.

And that brings up the other key concern, the weight.  A person in good physical condition and trained up for it, can probably carry a load of 25% of their body weight.  People in poor condition will be able to carry less.  Keep in mind that pretty much anybody can carry more than they should, briefly.  But can they carry it all day, for several days sequentially?  Can they hike or climb uphill?  Are they able to avoid tripping, or developing foot or ankle injuries?  Can they run short distances?  Jump over narrow obstacles?  As you can see, ideal load weight is a matter of experimentation, and the entire party should work at increasing their capabilities.  But at any point in time, there is a practical maximum weight.  When you hit that, you have to stop packing things in.  If you don’t have enough stuff, you will have to exchange things already in there for things which are lighter (and probably more expensive).

Now that you have an adequate size and not too much weight, consider the comfort.  A pack which distributes the weight and rides well will make your trek less of a torture.  For a large pack such as a GOOD, INCH and most BOBs, you will want to transfer as much of the weight as possible to your hips.  This requires an internal or hybrid frame and a padded waist belt.  External frames should be avoided; they tend to get caught on things. and usually are less comfortable.  A few BOBs and many GHBs may not be that heavy and can get away with using a smaller, frameless pack.

Frankly, if you can find a pack which meets all these criteria, durability may not be a major concern.  The longer the trek and the more rugged the terrain, the more important it becomes.  Keep an eye out for the material.  Nylon, canvas and leather are durable; plastic and cloth are not as durable.  Thick is more durable than thin.  But thick and canvas and particularly leather tends to be heavy, and every extra pound the pack weighs is a pound of stuff you can’t carry.  Thus generally, a mid-weight nylon is best.  You want it to be water proof or highly water resistant or have a water proof cover.  If not truly water proof, make sure that any contents which can be affected by getting wet are packed in water proof bags and even if the pack IS waterproof, you want your critical stuff in their own waterproof protection.

Finally, there is organization.  Having everything you need is great, but being able to find it or access it as needed can be important.  A bag which has lots of pockets may be handy, but every pocket adds more material and thus more weight.  This is a trade-off, and fewer pockets can be somewhat compensated for by intelligent packing.  If you need something quickly, you want to get right to it, and if you use something a lot, you don’t want to take everything else out to get to it.

Maintaining Your Bags

As mentioned, your GHB is best kept in your vehicle, so you will always have it with you when not at home.  Except what if you are not taking your vehicle?  That is a conundrum, and assuming you “have” to go and can’t take your car, you have three options:  risk going without it, taking it with you, or taking a subset with you in your pockets or other containers.  As for your other bag(s) and modules, you need a storage location which is readily available but not in the way, protected from casual access, where they won’t get mixed in or blocked, and are not subjected to environmental extremes.

Some things you put in your bag(s) will have expiration dates.  You need to keep a record with each bag or module stating these dates, and it is a very good idea to put in fresh things before the old ones “expire”.  This usually does not mean they become useless or dangerous, so if you happen to be a month or two late, it’s not a big deal.  But going years past the date is not wise.  Be aware of the storage conditions where you keep each bag (most particularly the trunk of your car) and its effect on the items in the bag.

 

Finally, do NOT take stuff out of your bags for “temporary” use.  If you take something out of one of your bags, the odds that you will remember to put it back (and replace anything partially used up) are depressingly low.  Which reminds me.  I can’t tell you how many fancy flashlights I’ve lost to battery leakage.  Keep the batteries out of your emergency gear until the emergency happens or is right around the corner, or use lithium batteries, which so far have not leaked on me.

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Thursday, April 12, 2018

The #1 Greatest Moral Failure of The Liberal Left

I can’t make the world a safer place for our schools. Only those who are there can do it. So, the key to making that place into a safe place is making sure that there are sheep dogs in the schools, ready to protect our children.

from Survivopedia
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How to Rebuild A Business Organization After a Natural Disaster

Written by Guest Contributor on The Prepper Journal.

Editors Note: A guest contribution from Herman Davis to The Prepper Journal. As always, if you have information for Preppers that you would like to share and be entered into the Prepper Writing Contest with a chance to win one of three Amazon Gift Cards  with the top prize being a $300 card to purchase your own prepping supplies, then enter today!

A natural disaster can occur at any time without warning and have a devastating impact, not only on homes but businesses as well. For owners, this could end up feeling like a Hollywood movie or a nightmare, but the reality, however, is that this is something thousands of businesses experience every year. A natural disaster can affect your company in a number of ways. To make matters worse, your employees, customers, vendors, competitors, and the local community can also be impacted by the chaos.

Assessing the damage done to your organization, of course, will help you put a plan together so you can clean-up and make the necessary changes to get your business up and running again. Having an emergency plan is your best bet because research shows that 74 percent of all small businesses don’t have disaster recovery plans to help their company survive the aftermath. The same study shows that another 84 percent don’t even have disaster insurance, which could leave the company paying for everything out of pocket, forcing them to close their doors permanently.

Remember, disasters come in all different shapes and sizes. Even a malfunctioning sprinkler system could lead to a company being forced to close their doors for weeks or months to come. If you’re already dealing with a disaster, then time is something you can’t waste. However, if time isn’t against you and you have a chance to prepare your company for an emergency, then be sure to look at things from a different perspective.

In other words, don’t just focus on small tasks; instead, take everything into consideration. Evaluating your threats is just one of five ways to protect your business income, which means there are plenty of other areas (like customer service) you’ll need to develop a plan for. That said, make sure you keep the following in mind:

Contact Your Insurance Agent: After a natural disaster has occurred, what’s the first thing you should do before cleaning up and removing items? The answer: contact your insurance agent. Even if you don’t know how many items were damaged while you were away, the insurance company will tell you everything they need to know to further support your claim. Some insurance companies — like Progressive, for example — requires you to make a list of everything damaged, lost, or destroyed. You might even be asked to take photos or record anything that’s been ruined. Other companies might send their own agents out to document the damage and get an estimate of the overall cost. Taking photos of specific valuables and assets BEFORE there is an emergency and filing them with your insurer is a good start to an emergency plan.

Whatever the case, always follow the instructions your insurance agent gives you, especially at a time like this, so you aren’t stuck paying for everything yourself. During that time, you should also get familiar with their policies. Most insurance companies have policies in place that require owners to take reasonable actions ahead of time to minimize as much damage as possible. For instance, if your roof is broken from a flood, your agent might encourage you to put a tarp over it as soon as possible to prevent any more leaks from happening. If you have furniture that hasn’t been damaged, then they’ll more than likely ask you to store it somewhere safe.

If insurance documents get lost due to the high winds from the disaster, don’t panic. Insurance companies keep electronic copies of policies at their location; therefore, all you need to do is confirm who you are — the business owner. If your organization isn’t covered by insurance, then see if you can make a claim under your income insurance protection.

Reach Out to Your Employees: Going digital truly does grant a fresh perspective, which makes it easier for organizations to stay in contact with customers, vendors, and most importantly, employees. A company’s ability to recover from a catastrophic event typically depends on how quick their employees can get back to work. If you’re in the marketing industry, for example, recovering might be a little bit easier since employees can still find ways to improve your business right from home. If you’re in the construction industry, however, then things could be a bit more difficult. As a general rule, construction companies should make sure that all employees, supervisors, and superintendents have everyone’s contact information.

This will make touching base with your employees a lot easier — not only to discuss work projects but to check on their family’s and communicate emergency news as well. If everyone is safe and out of harm’s way, the next thing you can do is reach out to customers, and vendors to let them know where the company stands at the moment. This will help you and your employees determine if there are any projects that need to be postponed or delayed.

Save for the Unexpected: It should come to no surprise to hear that every business strives to be successful, but is it possible to save for an emergency while trying to build up your company? Of course, as long as you’re willing to put in the time. Although planning for a disaster isn’t easy, starting a solid plan for your business early on is key to your success, and that includes smart budgeting.

As a general practice, you should have at least three months worth of savings to cover any expenses. Why? Well, because setting aside emergency funds can help your company get by in case the building needs any urgent repairs. If the idea of putting thousands of dollars away into a saving account is foolish, just remember, this is an investment that will help your business in the long run.

As owners, there are things you can control — like your organization — and there are things you can’t — like mother nature. So, taking steps to create an emergency account should be a part of your business plan. What’s equally important is knowing how to spend it — the when and why. To help with this process, create a sheet that has sufficient reasons why you should pull from your emergency funds. Some reasons might include things like:

  • Disability
  • Disasters
  • Injuries
  • Increase in material cost

Not every event has to be a natural disaster for owners to dip into their emergency account, but let’s imagine it is. The most common question regarding emergency funds is: “How much should I have stored away in my savings account?”

As stated before, you want to have at least three months minimum to help cover those unexpected bills. In order to do so successfully, calculate your monthly budget, and make sure you include payrolls, all bills and additional expenses (like property cost). Once you have those numbers all figured out, the last set of numbers you need to add in are from your salary. This will help you figure out your goal when it comes to saving.

Think of your savings account as another utility bill. Depending on your income and the company’s expenses, it might take you eight months or two years to reach your financial goal. But you’ll get there as long as you stick to your budget plan. The success of your business depends on how much time you’ve invested in the preparation. After all, an emergency fund could make the difference between your business rising or it closing its doors for good.

The author loves taking advantage of the sunny weather outside. If you can’t catch him online, you might be able to catch him out playing football with friends or cheering on the Boise State Broncos. You can follow him on Twitter at @Davis241.

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The post How to Rebuild A Business Organization After a Natural Disaster appeared first on The Prepper Journal.



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